La Federal Reserve yeUnited States (Fed) afunga kuchengetedza zviyero zvazvino padanho repasi re0% kusvika kumagumo kwa2022. Ndeipi iri zano nyowani nezvekuti mutemo wezvemari uchaenda kupi mumwedzi iri kuuya uye wadii wataura, mumakore anotevera . Mairi iyo yasarudza kupinza muUS yezvemari system iyo yakakurisa kukurudzira munhoroondo yekurwisa iyo coronavirus. Mune izvo zvinogona kufungidzirwa kuti kudzikira kwehupfumi hwenyika dzepasi rose kunogona kunge kuri kupfuura zvinotarisirwa kusvikira zvino. Neichi chikonzero hazvo zvave zvisina kushamisika kuti mhedzisiro yemisika yekutenderedza pasirese yakadzika.
Nekuti zvirizvo, misika yemasheya epasi rose akadonha nekuderera kukuru mumwedzi miviri yekupedzisira. Iko, semuenzaniso, iyo yakasarudzika indekisi yemari inoshanduka yenyika yedu, iyo Ibex 35, yasara ingori pamusoro pe5%. Kupera saka neiyo rally iyo yakatanga muna Chivabvu payakabva padanho re7800 poindi kutenderera kwakatenderedza 7200 mapoinzi. Iwo misika yezvemari enharaunda yavo haina kumira zvirinani, sezvo ivo vaona maitiro avo akaderera neavhareji ye4,50%. Mune ranga riri rimwe remazuva akaipisisa mumavhiki apfuura mumisika yemari kutenderera pasirese.
Nepo kune rimwe divi, zvakafanirawo kusimbisa chokwadi chakakosha chekuti zvakafungidzirwa neUnited States Federal Reserve neOECD hazvikoke tarisiro maererano nekushanduka kwehupfumi semhedzisiro yekuwedzera hutachiona hwekuporesa. Mune imwe hurongwa hwezvinhu, isu tinofanirwa kuongorora chokwadi chekuti mushure mezvose zvinogona kunge zvichipfuura chikamu cheruzivo uye nekudaro isu tichafanirwa kumirira kusimbiswa kwayo kuitike mumwedzi inotevera. Zvese izvi, mune nharaunda mune iro basa rebasa muUnited States rakashamisa misika yequity zvakanaka kwazvo. Kunyangwe kushanduka kwayo kuchizofanirwa kuongororwa mumwedzi iri kuuya.
Nguva refu ine mubereko pa0%
“Tinoda kuti misika ishande; hatisi kutsvaga imwe nhanho. "Dai taizomira nekuti tinofunga kuti mitengo yemidziyo yakanyanya, chii chingaitika kune vanhu vatiri kufanira kunge tiri kushandira?" Kwave kuri kwekupedzisira kudzivirira kwaPowell kune avo vanotsoropodza iyeFed iri kukonzera bubble paWall Street pamwe neyakaganhurirwa inokurudzira. Zvinotoshamisa kuti data rebasa rakagadzirwa muUnited States izvo pasina kana munhu aitarisira, kunyangwe nevamiriri mumisika yemari. Kusvika padanho rekuti mabasa eUnited States data
Unogona kunge uri kufunga iwe pachako kuti ino haisi nguva yekutaura nezvekudyara. Uri kuvhunduka nezve rako basa, iyo nharo neshamwari yako yepamoyo, katsi yako ichizvibata yakatetepa kupfuura zvakajairwa - uye usatomboita kuti nditange pahupenyu hwako hwakaipa.
Asi muchokwadi, hapana nguva yakanaka yekutaura nezvekudyara. Pakupedzisira, iwe unofanirwa kurangwa zvakakwana kuti ubatirire pamari yaunoita, wobva watora nhanho inotevera mukudzidza kukura mari yako. Uye nzira yakanakisa yekukura mari yako ndeye kudzidza kudzidza kuisa mari.
Zviri nyore sezvazviri
Kana iwe ukava investor, iwe unozoshandisa yako mari kutenga zvinhu zvinopa kuwana mari kugona kuburikidza neayo kana akawanda eanotevera sarudzo.
Kufarira uye migove kubva kusevha kana kugoverana-kubhadhara masheya uye mabhondi
Mari inoyerera kubva kubhizinesi kana real estate
Kukoshesa kukosha kweiyo portfolio yemastock, real estate kana zvimwe zvinhu
Sezvo iwe paunodzidza kuve investor, iwe unozotanga kupa zvako zvakaganhurirwa zviwanikwa kuzvinhu zvine chikuru mukana wekudzoka. Izvo zvinogona kuve kubhadhara chikwereti, kudzokera kuchikoro, kana kugadzirisa imba yemhuri mbiri.
Ehezve, zvinogona zvakare kureva kutenga masheya uye zvisungo, kana zvirinani mutual mari kana kuchinjana-kutengesa mari.
Kutenda kufambira mberi kwetekinoroji, unogona kutanga kuisa mari nemari inosvika madhora mashanu pamwedzi uye ne smartphone. Basa redu nderekukubatsira kusefa ruzha, kudzidza izvo zvekutanga, uye kuita sarudzo dzakanaka dzekudyara pakutanga.
Pasina mubhadharo pamaakaundi ane zviyero zvakaderera uye nekureruka kuri nyore otomatiki, maAmerican ndiyo sarudzo yedu yakanakisa yeakaundi yakazara yekudyara account. Kuisa mari kunokutendera iwe kuti uwedzere zvakanyanya mari yako pamusoro penguva nekuda kwesimba remakomponi anodzoka.
Iyo mukomboni inogona kunzi Chisere Kushamisika kwePasi. Kutenda kune simba rekubatanidza, imwe sendi inogona kushanduka kuita mamirioni emadhora, ikapihwa yakakwana nguva. Unogona kusararama kwenguva yakareba kudaro, asi funga iyi inotevera mienzaniso.
Ngatiti iwe unotanga kuisa mari iwe uine makore gumi nematanhatu ekuberekwa ... Sezvisingafungidzike sezvazvinogona kuita sekutanga kuisa mari uchiri mudiki kudaro, ngatiti iwe wakagamuchira nhaka diki uye wafunga kuiisa iyo: kana iwe ukaisa $ 16 muaccount ine mubereko mwero we5.000 muzana uye unopa mazana maviri emadhora ekuwedzera pamwedzi, mushure memakore makumi matatu unenge wave nemari inopfuura 7 madhora.
Iwe unotanga nekuisa $ 50 pamwedzi muaccount yako yekudyara, uine 50 muzana mutambo kubva kukambani. Kana iwe ukawedzera mipiro nemari yakafanana nechero kuwedzera kupi muhoro, uchave nemadhora anodarika miriyoni pazera remakore makumi matanhatu nemashanu. Izvi zvinoreva kuti pagore kuwedzera kwe65 muzana uye 3,5 muzana inodzoka pane mari.
Sevha kuburikidza nehombodo
Pane zvinhu zvakawanda zvekufunga nezvazvo - muenzaniso wakapusa seuyu unoratidza simba rekubatanidza kana zvese zvikafamba mushe. Saka kana iwe uchida kutanga kusevha izvozvi, unogona kutowana muhoro wegore rose wakachengetedzwa panguva yaunenge uine makore makumi matatu… Tarisa patafura pazasi kuti uone kuti sei.
Kuisa mari kunonzwika kutyisidzira kupfuura zvazviri. Hongu, panogara paine njodzi yekurasikirwa, asi kune imwe yakatokura mikana yekuwana purofiti yakakomba. Kuita chimwe chinhu kwenguva yekutanga kunogona kutyisa, kunyanya kana zvasvika kune yako yakaoma-yawakawana mari. Asi heano mamwe matipi evatangi venguva yekutanga.
Chengetedza kwekutanga
Kuisa mari kwakafanana nechitendero: vanhu vane dzimwe pfungwa dzakasimba uye vanogona kutove veimwe yemapoka mazhinji kana zvikoro zvekufunga. Heano mashoma anouya mupfungwa:
Iyo Doomsday Preppers - vanhu ava vanogutsikana kuti yedu yezvemari system ichawa, saka vanoisa mari yavo yese mugoridhe uye zvivakwa.
Game Zuva Vatengesi - ava ndivo vanhu vanowanzoonekwa mumabhaisikopo, aine madhesiki avo kana madziro akafukidzwa mumonitri uye terevhizheni, kutarisa sekondi yega yega yezuva uye kutarisa shanduko yemusika wemasheya.
Indexers - ava vanhu vanongoisa mari mune zvese kuitira kuti vatore mukana wekuwedzera uye kwakadzikama mukukosha kweiyo misika.
Chikwata chevamiriri vezvemari vanopa Yega Yekupa zano Sevhisi iyo inopa munhu-ne-mumwe rutsigiro panguva yese yekudyara. Vachagadzirisa hurongwa hwekudyara kuti huenderane nezvido zvako uye vanogona kukubatsira iwe kudzidza zvese zvaunoda kuziva nezvekudyara mumatura, zvisungo, ETFs, uye nemimwe mikana yakasiyana siyana.
Minimum investa mune aya mashandiro
Iko kushoma kwekudyara kushandisa iyo Yega Yekupa mazano Sevhisi yemari aya emari ndeye $ 50.000 uye mubhadharo wepagore unongova 0,3% (Naizvozvo, $ 150 pamadhora zviuru makumi mashanu zvakaiswa).
Kana iwe uchitove uri weimwe yeminda yataurwa, ungangowana mari yekudyara zviwanikwa pasi pemakore makumi matatu zvinobatsira. Nekudaro, kana iwe uine pfungwa dzakavhurika uye uchifarira kudzidza nzira dzakareruka dzekudyara zvinobudirira muhupenyu hwako hwese - pasina chero manomano - wobva waverenga.
Kana usiri kusarudza nezvekuti uchaisa mari riini uye riini, ita shuwa kuti uri kutora mukana weyakavimbiswa mhindu. Yakakwira Kubereka Kuchengetedza Maakaundi pari zvino anopa zvinopfuura 2% neFDIC inishuwarenzi (zvinoreva kuti mari yako inishuwarenzi nehurumende yemubatanidzwa).
Vakagara vachibhadharisa mitero yemitero yakawanda pamadhipoziti avo uye parizvino vane APY ye1,55% pamatanho ese muaccount yavo yepamhepo. Kana iwe uchibvuma kuchengetedza yako mari kune iyo CD izwi, ivo zvakare vane APYs mune 2% renji kwemana uye mashanu emakore mazwi.
Njodzi vs mubairo
Ichokwadi: kuisa mari kunosanganisira njodzi. Isu tese takanzwa nyaya dzevashambadziri vakarasikirwa nehafu yehupfumi hwavo muKuderera Kukuru kana kunyangwe munguva pfupi yapfuura muKudzoreredza Kukuru. Isu tanzwa nezve maBernie Madoffs epasirese uye ma investor avo vakarasikirwa nezvose kune chitsotsi. Kunyangwe iwe usingakwanise kubvisa njodzi zvachose, unogona kudzikisa njodzi nekudyara zvine hungwaru.
Chinhu chakanaka chekudyara vechidiki ndechekuti iwe pamwe urikuisa mari mukugara kwenguva refu, senge account yako yekurega basa. Aya masimendi ane njodzi shoma pane anokurumidza stock stock dzevanhu vasinganyatsonzwisisa zvavari kuita.
Kunyangwe hazvo kuisa mari kungave kune njodzi, zvirinani kutarisana nenjodzi iyi, nekuti kusaisa mari kunogona kukudyira mari yakawanda pane kurasikirwa nemari shoma pane yakaipa mari.
Takataura pamusoro pemubatanidzwa wemubatanidzwa pamusoro, uye mutemo wakakosha wechigunwe kune izvo ndewekuti: iwe pakutanga paunotanga kuchengetedza, mari yako ichawanda nekufamba kwenguva. Tarisa uone apa kuti uone musiyano mukuru pakati pemumwe munhu akatanga kuisa mari pa25 uye 35. Unogona kunge uchirasikirwa nemazana ezviuru zvemadhora kana ukatanga kusevha gare gare.
Chengetedza kudyara kuri nyore
Gadzira zvakasiyana-siyana kuburikidza nemusanganiswa wemutengo wepasi mutual mari uye ETFs, uku uchichengeta mafaro achienda nekubata wega masheya ane anosvika gumi muzana epfuma yako. Chinhu chakanyanya kukosha mukuva muzvinabhizimisi anobudirira haisi masheya nemari yaunosarudza. Kubudirira kwekudyara kunoenderana ne:
Kusarudza Kugoverwa Kweaseti Yakakodzera - Iko kusanganisa kwakawanda kwezvisungo, masheya, uye mari yauinayo mupotfolio yako.
Gadzira uye uteedzere otomatiki chirongwa chekudyara, nenzira iyi unodzivirira kuita zvinotyisa uye zvemanzwiro sarudzo, sekutengesa kumashure kwekudonha kwemusika.
Ruzivo rwekudyara mari pasi pemakumi matatu harubviri kukwenya pamusoro pezvese ruzivo rwekudyara, asi izvo zvakanaka. Hatisi kuyedza kudzidzisa iyo inotevera kirasi yehedge fund mazera, asi kupa munhu wepakati zivo yakakwana uye chivimbo chekutanga kuisa mari kwavo vega.
Mari yekudyara
Mari yekudyidzana irudzi rwakachengetedzwa nehunyanzvi hwekudyara inoenderana nemari yako nevamwe varimi. Ivo maneja wehomwe vanoshandisa iyo yakaunganidzwa mari kutenga machengetedzo eboka.
Zvakanakisisa kutanga kuisa mari mumubatanidzwa mari kana kuchinjana mari pane kungoita zvega masheya uye zvisungo kusvikira tsoka dzako dzanyorova. Aya marudzi emari anotendera iwe kuisa mari muhombe portfolio yemasheya uye zvisungo mune imwechete yekutengesa pane kuzvitengesa zvese iwe pachako.
Haasi chete iwo akachengeteka mari (nekuti iwo akasiyana), asi kazhinji zvinonyanya kudhura kudhara nenzira iyi. Iwe uchabhadhara imwechete yekutengesa komisheni kana kubhadhara chero chinhu (kana iwe ukatenga mutual fund zvakananga kubva kune iyo kambani kambani), pachinzvimbo chekubhadhara makomisheni ekutengeserana kuti vatenge gumi nemaviri kana akapfuura masheya akasiyana.
Kunyangwe mari dzekudyidzana dzichigona kutengwa kuburikidza nechero account yekukweretesa, iwe unozochengetedza mari pamari yekutengesa nekutenga mari yakanangana kuburikidza nekambani yehutual fund yakadai seE * TRADE kana You Invest. Aya marudzi emari anokutendera iwe kuti uise mari mune yakafutisa portfolio yemasheya uye zvisungo mune imwechete yekutengesa pane kuzvitengesa zvese iwe pachako.
Mabond emhando dzakasiyana siyana
Kunyangwe iri yemakambani, mataundi, kana homwe, zvisungo inzira huru yekuwedzera mari yako kubva mukubudirira kwezvimwe zvinhu. Mabond chikwereti kuchengetedzeka chinokwidza capital kune vamwe. Ivo vanopa mari kumakambani matsva, emuno mapurojekiti, uye kunyangwe United States Hurumende. Kunyange pasina mari yekudyara isina njodzi, hurumende zvisungo (T-Mabond) ndiyo yepedyo iwe yaunogona kuwana.
Mabhonasi akakodzera. Iwe unogona zvakare kufunga nezvekudyara mune akakodzera zvisungo. Mabhonasi akakodzera i $ 10 imwe neimwe, uye inopa yakatarwa mwero wekudzoka kwe5%. Bhondi imwe neimwe ine nguva yemwedzi makumi matatu nematanhatu uye mubereko unobhadharwa pasvondo. Unganidza bhonasi pese paunoda (kunyangwe isati yapera) uye hauzombobhadhara chirango.
Mari yaunodyara mumabhondi akakodzera inoshandiswa kupa mari kumabhizimusi eAmerica, uye Worthy anosarudzika pamabhizinesi aanokweretesa. Ivo vanongoisa mari mumakambani ane zviwanikwa zvemvura zvinopfuura mwero wechikwereti, zvichideredza njodzi yekudzoka kushamisa kwe5%.
Vanogamuchirwa uye vasina-vanobvumidzwa vanoita mari vanogamuchirwa uye vanogona kutenga akawanda se $ 10 zvisungo sezvavanoda.
Robo-vanachipangamazano
Kana iwe uri kunyatso kuyedza kutanga seyekutanga-nguva investor, imwe sarudzo kwauri ndeye kuenda iyo robo-chipangamazano nzira. Nzira yakapusa yekunzwisisa nzungu uye mabhaudhi evarobo-vanachipangamazano ndeyekuti ivo vanachipangamazano vezvemari vanoshandisa algorithms kukupa iwe kuraira kwakanakisa nezvekudyara kwemari.
Robo-vanachipangamazano vakakurumbira zvakanyanya panguva ino nekuti vanoita kuti mari isvike kune wese munhu. Aya mapurogiramu ari nyore kushandisa ari nyore, anodhura, uye ane yakaderera mari yekudyara pane akajairwa emari vanopa mazano.
Zvakare, hapana mutengesi wekudyara uye mitengo yacho yakaderera kana ichienzaniswa nemakambani echinyakare manejimendi. Iko kune toni yevakuru robo-varairidzi kunze uko, asi sezvazviri nezvazviri zvese, havazi vese varairidzi-mazano vanokodzera vese varairidzi.
Kubhejera pamusika weSpanish wemusika
Kubva ikozvino zvichienda mberi, varimi vanogona kuzviisa mumakambani ane chirevo chakanakisa chemari uye avo vakagamuchira chirango chisina kukodzera mukati megore rapfuura, pamwe nekubheja pane mimwe misika isinganyanyofamba yakadai seGerman kana French, kana kusarudza imwe yeUnited States. ane mukana wekuchinja unobvumidza muzvinashawo kutarisira kupora kwehupfumi.
Kutora zvinzvimbo muEuropean equities chikuru nevaichinja Vanosarudza makambani anotungamira mumasangano avo: Bayer, Nestlé kana Allianz, asi ivo vanosarudzawo kutenga kwakasarudzika mumatare ekufonera uye nehunyanzvi matekinoroji, zvine njodzi huru kune uyo anoita mari, seVodafone kana Nokia. Acciona, BBVA, BME, Endesa, Enagas, Grifols, Iberdrola, Red Eléctrica, Técnicas Reunidas neTelefonica ndidzo dzimwe dzekuchengetedzeka dzinosarudzwa nevamiririri vazhinji vezvemari pavanenge vachigadzirira chikwereti chegore ra2020.